Stoke Money
Ranked 7 of 10 budgeting apps by recommenders
Personal finance app built around a cash flow forecast, with plans for upcoming costs like Christmas. Critics question its security practices and whether it can be trusted with data.
Personal finance app built around a cash flow forecast, with plans for upcoming costs like Christmas. Critics question its security practices and whether it can be trusted with data.
8 people gave an opinion
- recommend it
- 6
- criticize it
- 2
- approval share
- 75%
Recommended in 1 of 13 months
- November 2025: not recommended
- December 2025: not recommended
- January 2026: not recommended
- February 2026: not recommended
- March 2026: not recommended
- April 2026: not recommended
- May 2026: not recommended
- June 2026: not recommended
- July 2026: not recommended
- August 2026: not recommended
- September 2026: not recommended
- October 2026: recommended
- November 2026: not recommended (month in progress)
Why it doesn’t carry the badge
- 6 people recommend itNeeds 10 or more, not met.
- 3 recommenders for every criticNeeds 2 to 1 or better, met.
- Recommended in 1 of 13 monthsNeeds 4 or more, not met.
The same three rules apply to every product, and the badge can’t be bought. How the badge works
What people say about it
The reasons people give, with the number of comments that give each one. Open a reason to read what they said.
Why people recommend it
Each mark is one comment
Fills a need people are looking for
“Very interesting, and I've been looking for something like this. Kudos for building this.”
Comment from 16 Oct 2026 in “Show HN: Stoke Money – Personal finance app built around a cash flow forecast” “these products are deeply needed, but they are gated behind Saas payments”
Comment from 17 Oct 2026 in “Show HN: Stoke Money – Personal finance app built around a cash flow forecast” Plans and modeling kept together
“Thats really well thought out, the plans feature for stuff like Christmas is smart.”
Comment from 22 Oct 2026 in “Show HN: Stoke Money – Personal finance app built around a cash flow forecast” “Everything you’ve modeled lives in Stoke, not in one AI assistant's memory.”
Comment from 16 Oct 2026 in “Show HN: Stoke Money – Personal finance app built around a cash flow forecast”
What people warn about
Each mark is one comment
Security and data trust concerns
“I wouldn't touch you till you got external validation of your security practices”
Comment from 16 Oct 2026 in “Show HN: Stoke Money – Personal finance app built around a cash flow forecast” “Not sure who I would be trusting with my data.”
Comment from 16 Oct 2026 in “Show HN: Stoke Money – Personal finance app built around a cash flow forecast” Paid SaaS gating of core tools
“these products are deeply needed, but they are gated behind Saas payments”
Comment from 17 Oct 2026 in “Show HN: Stoke Money – Personal finance app built around a cash flow forecast”
Other budgeting apps people recommend
The four most recommended other budgeting apps, with the same counts for each, so you can compare like for like. The tick on each bar marks the 2 to 1 line the badge needs.
| Product | Recommend | Criticize | Approval | Months | Owned | Badge |
|---|---|---|---|---|---|---|
| Actual Budget | 29 | 0 | 100% | 12 | 3 yrs4 owners | Approved |
| Monarch Money | 17 | 4 | 81% | 9 | — | Approved |
| YNAB | 17 | 13 | 57% | 4 | 10 yrs3 owners | — |
| Quicken | 10 | 10 | 50% | 4 | — | — |
| Stoke MoneyThis page | 6 | 2 | 75% | 1 | — | — |
What people said
8 of the 9 comments that mention it, newest first. Each links to the original comment.
“Thats really well thought out, the plans feature for stuff like Christmas is smart.”
“these products are deeply needed, but they are gated behind Saas payments”
“The app has been working well for me”
“Your landing page is horrible (too boilerplate, too vibe coded, no graphics.”
“Everything you’ve modeled lives in Stoke, not in one AI assistant's memory.”
“Very interesting, and I've been looking for something like this. Kudos for building this.”
“Not sure who I would be trusting with my data.”
“I wouldn't touch you till you got external validation of your security practices”
Counts come from 1,795,640 Hacker News comments, November 2025 to November 2026. How we count. Report a mistake.